Richard Hitchell

About

About me I am co-owner of Hitchell Financial Planning, a family-run firm established in 1978, providing independent financial planning to individuals and families. As a Chartered Financial Planner and Fellow of the Personal Finance Society (FPFS), I hold the highest level of qualification in the profession. I have also been recognised as a VouchedFor UK Top Rated Adviser for the past four years. I have previously held accreditation with the Society of Later Life Advisers (SOLLA). At present, I work with a limited number of new clients, typically introduced by existing clients or professional connections. What I do I help clients make informed, confident decisions about their financial future. My role is to bring clarity and structure to what can often feel complex, helping clients understand where they stand today and how their financial position supports their long-term plans. How I work I take time to understand what matters most to each client, building a clear financial plan that evolves over time as circumstances change. Many of the conversations we have focus on questions such as: When can I afford to stop working? Can I support my children or family financially? How should I structure my assets for the future? Am I making the right decisions with my savings and investments? How can I pass more of my wealth to my family in a tax-efficient way? Using financial planning tools such as cashflow modelling, I help clients visualise the impact of their decisions and feel more confident about the future. What clients value Clients value having a clear plan, an ongoing relationship, and the reassurance that their finances are being looked after in a considered and structured way. This allows them to feel: -> Organised and in control of their finances -> Confident in the decisions they are making -> Reassured that their long-term plans are on track I find it particularly rewarding when clients feel able to focus on their lives, knowing their financial position is clear and their plans are in place. --- **The value of investments and any income from them can fall as well as rise, and you may not get back the original amount invested.** Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.